I need help

Tamire
Ok, so the last few months my cycle has been consistent, but this month I'm 4 days late. I took a pregnancy test 1 day before my cycle was suppose to come, but it was negative. Could I be pregnant? (My fiancé and I have unprotected sex and he came inside of me last month on the day I ovulated but I only had a 20% chance of fertility). I need help and answers, please help.